KzCerto: Crédito em Angola

SINGAI SERVIÇOS

About this app

KzCerto is a personal loan application for eligible users in Angola. Through the application, users can view available terms, submit a loan application, and verify all important information before making a decision.

KzCerto clearly presents information such as the loan amount, repayment term, applicable rate, total interest, total amount to be paid, and payment date.

Main Features
• Loan application via mobile phone • Available amounts between Kz 10,000 and Kz 280,000 • Repayment terms between 105 and 240 days • Consultation of conditions before signing • Monitoring of application status • Clear presentation of interest and payment information • Customer service through official channels

LOAN CONDITIONS
• Minimum loan amount: Kz 10,000 • Maximum loan amount: Kz 280,000 • Minimum repayment term: 105 days • Maximum repayment term: 240 days • Annual Percentage Rate — APR: from 18% to 36% • Other fees: Kz 0
KzCerto does not charge a service fee, processing fee, administration fee, or any other additional charges. The only cost of the loan is the applicable interest.

The amount, term, and rate offered to each user depend on the analysis of the application and compliance with eligibility criteria.

Before completing the subscription, the user will be able to clearly see the loan amount, term, applicable rate, total interest, total amount to be paid, and payment date.

EXAMPLES OF CREDIT COST
Example 1: Minimum amount, minimum APR and minimum term
For a loan of Kz 10,000, with a term of 105 days and an APR of 18%:
Interest calculation:
Kz 10,000 × 18% ÷ 360 × 105 = Kz 525
• Loan amount: Kz 10,000 • Repayment term: 105 days • APR: 18% • Total interest: Kz 525 • Other fees: Kz 0 • Total amount to pay: Kz 10,525
Example 2: Maximum amount, maximum APR and maximum term
For a loan of Kz 280,000, with a term of 240 days and an APR of 36%:
Interest calculation:
Kz 280,000 × 36% ÷ 360 × 240 = Kz 67,200
• Credit amount: Kz 280,000 • Repayment term: 240 days • APR: 36% • Total interest: Kz 67,200 • Other fees: Kz 0 • Total amount to pay: Kz 347,200
These examples are only to help the user understand the cost of credit.
The amount, term, rate, interest, and total amount to be paid applicable to the user will be presented before the subscription is completed.

HOW TO USE KZCERTO
Install the application and create your account.
Fill in the requested information correctly.
Choose the desired amount and term.
Submit the credit request for analysis.
View the offer, interest, total amount, and payment plan.
After understanding all the conditions, decide if you want to complete the subscription.

Installing the application or submitting a request does not guarantee credit approval.
The user does not need to make any upfront payment to install the application, create an account, submit a request, or view a credit offer.

PRIVACY AND SECURITY
KzCerto processes user information in accordance with its Privacy Policy and applicable legislation.

Consult the Privacy Policy to find out what information is collected, how it is used, how long it is kept, and how you can exercise your rights regarding your personal data.

Privacy Policy: https://www.kwanzarapido.com/kzcerto-politica.html

CREDIT PROVIDER INFORMATION
• Company Name: SENGAI - COMERCIO E SERVICOS (SU) LDA • Contact Address: Avenida Comandante Fidel De Castro Ruz Talatona Angola

CUSTOMER SERVICE
• Customer Service Email: [e-mail] • Service Hours: Monday to Saturday, 8 AM to 6 PM.

• Official Website: [e-mail]

Use only the official channels indicated on the Google Play page, the official website, or within the application.